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Stablecoins are shifting from a crypto trading tool to an everyday financial instrument, with users allocating a growing share of their savings and income to dollar-pegged tokens, according to a new global study from BVNK conducted in partnership with Coinbase and Artemis.
Findings from The Stablecoin Utility Report 2026, based on a YouGov survey of 4,658 adults across 15 countries, posits that more than $300 billion in stablecoin market capitalization is increasingly used for payments, payroll, and savings alongside trading activity.
Stablecoins are cryptocurrencies designed to maintain a stable value, typically by being pegged 1:1 to fiat currencies such as the U.S. dollar and backed by reserves or other collateral. These dollar-tied tokens have a circulating supply of around $300 billion, led by Tether's USDT0%
and Circle, according to The Block'sdata dashboard.

Savings
More than half of respondents said they have held stablecoins in the past 12 months, and 56% intend to acquire more over the next year. Among non-owners, 13% plan to start. Momentum also appears on the rise as half of the current holders increased their balances over the past year.
Stablecoins are capturing a more meaningful slice of personal balance sheets, too. On average, holders said they allocate roughly one-third of their total savings to crypto and stablecoins combined.
Moreover, people in places with more volatile local currencies or less reliable cross-border payment services are more incentivized to use stablecoins. The mean allocation was higher in low- and middle-income economies than in high-income markets, according to the study.
Ownership rates in the survey were also higher in low- and middle-income economies than in high-income ones, with Africa leading. Indeed, the region recorded the strongest forward intent to acquire more stablecoins. The data echoes a report from Standard Chartered, which estimated that as much as $1 trillion could ultimately migrate out of emerging market bank deposits into U.S. dollar-backed stablecoins.

Spending and cross-border finance
Spending behavior reinforces the idea that stablecoins are circulating rather than sitting idle. Among holders, 27% said they spend directly on goods and services, while 45% convert to local currency. More than a quarter convert or spend within days, and roughly two-thirds do so within a few months.
Demand for merchant acceptance appears to be outpacing supply. 52%t of holders said they have made a purchase specifically because a business accepted stablecoins. At the same time, desired spending exceeds current spending across every major category surveyed, including everyday purchases and large lifestyle expenses.
For cross-border workers, stablecoins are not marginal. Among freelancers, gig workers, and marketplace sellers who receive payments in stablecoins, the tokens account for about 35% of annual earnings on average. Nearly three-quarters said stablecoins have improved their ability to work with international clients, and three-quarters of marketplace sellers reported higher sales volumes or expanded customer bases.
Cost savings are a key driver. Respondents who receive payments or remittances in crypto, including stablecoins, reported saving an average of 40% in fees compared with traditional payment and remittance services. Lower transaction fees, better security, and the ability to transact internationally ranked as the top motivations for using stablecoins over other methods.

Polygon recorded $407,000 in daily fees on Friday, compared with Ethereum's $211,000.
Polygon has posted higher daily transaction fees than Ethereum over the last three days, with an analyst pointing to robust user activity on prediction market Polymarket.  
According to the latest data from Token Terminal, Polygon raked in $407,100 worth of transaction fees on Friday, compared to Ethereum’s $211,700, with the data indicating this is the first time Polygon has ever flipped Ethereum in daily transaction fees. 

The gap has since narrowed, with daily transaction fees on Polygon at $303,000 on Saturday, while Ethereum saw about $285,000. 
Polygon is home to Polymarket, one of the most prominent prediction markets to emerge from the blockchain sector that launched in 2020. 
In an X post on Monday, Matthias Seidl, the co-founder of Ethereum analytics platform growthepie, highlighted Polygon’s recent activity growth and said that it has been “fully driven by Polymarket.”
Seidl shared a chart showing that Polymarket had accounted for just over $1 million worth of fees on Polygon over the past seven days, with the next highest app on the L2 being Origin World, which accounted for around $130,000. 

Polygon has also highlighted surging activity on Polymarket. In an X post on Saturday, the team notedthat over $15 million worth of wagers were placed on a single Oscars market category alone, adding that “Polygon is the chain underneath it” all. 
Polygon says there’s also a strong network of trustless agents being deployed on the L2 to “tap opportunities” on the prediction market. 
Prediction markets have been booming in popularity since the last US election, and the rapid adoption has seen several crypto firms launching their own offerings. 
Elsewhere, some have also pointed to growing stablecoin usage on the L2, particularly with Circle’s USDC. In an X post on Sunday, Polygon data analyst @petertherock said that the network had notched a new weekly high of 28 million USDC transactions.
Polymarket uses Polygon-based USDC for trading on its platform.